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North Carolina Small Business Health Insurance

One of the biggest companies in the world inadvertently got its start in North Carolina. In the small town of New Bern in 1898, the soda brand Pepsi had its first taste test. They've never looked back, and neither have the thousands of entrepreneurs who built their foundations around the state. Of course, every silver-lined cloud has a few raindrops in it, and North Carolina's small business owners are quite aware of them.

Although small employers are blessed with one of the lowest workers compensation premiums in the country, they must also deal with increasingly expensive health costs. Between 1980-2000, personal health care expenditure in North Carolina went up 10.6%. Many companies who want to offer health insurance can't afford it. For these employers, the advent of HSAs are opening the door to success. Insurance carriers are also hard at work, providing small employers decent health insurance options, in accordance with the state's insurance regulations.

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Featured North Carolina Small Business Health Insurance Providers

If you are looking for information on Individual or Family Plans in North Carolina, products are available from the following:

• American Medical Security Life Insurance Company
  
  
• Celtic Insurance Company
  
  
• Time Insurance Company
  

North Carolina’s Small Business Health Insurance Regulations

• Guaranteed issue and renewability is in effect; insurance carriers must offer employers of 2-50 workers the same health plans they offer other small businesses, and cannot cancel a plan due to the health status of a group member.
  
  
• Insurance companies may require a new employee to wait 90 days before accepting them into a group health plan.
  
  
• Carriers covering small businesses can vary group premiums due to health status and risk, but only by a limited percentage.
  
  
• North Carolina small businesses must have a choice between two standardized plans when enrolling in group health insurance.
  
  
• The self-employed worker can enroll in a group plan. Those who choose an individual policy can deduct the cost of their premiums on their federal return.

Request a free online quote for more information on Small Business solutions in North Carolina >>